Spendesk
All-in-one spend management for European SMBs and mid-market
- Data residency
- EU only
- DPA available
- Yes
- Pricing
- Subscription
- Art. 9 data
- Not suitable
Who this tool is for
Industries
- European SMBs and mid-market teams
- Companies issuing virtual and physical cards
- Finance teams needing real-time oversight
- Businesses automating reimbursements and invoices
Spendesk is an all-in-one spend management platform from Paris for European SMBs and the mid-market. It combines virtual and physical corporate cards, employee reimbursements, and invoice automation with real-time spend visibility.
The company is EU-regulated by the ACPR, holds a SOC 2 Type II attestation, and provides a GDPR DPA. Data residency is in the EU. For DACH finance teams that want a single platform to issue cards, manage reimbursements, and automate invoices while keeping clear oversight, Spendesk offers a mature EU-based option.
Pros and cons
Strengths
- Virtual and physical corporate cards
- Employee reimbursements plus invoice automation
- Real-time spend visibility
- EU-regulated by the ACPR
- SOC 2 Type II attestation
Trade-offs
- No free tier available
- Not a full accounting system
- Not suitable for special-category (Art. 9) data
Where it sits with GDPR
Good fit for
- Keeping spend data within EU residency
- Relying on a SOC 2 Type II attestation
- Signing the provided GDPR DPA
Think twice / not suitable for
- Processing special-category personal data (Art. 9)
- Use cases requiring German-only data residency
Data protection note
Paris HQ; ACPR-reguliert (EU); DSGVO-DPA verfügbar; SOC 2 Type II.
Frequently asked questions
Is Spendesk EU-regulated?
Yes, Spendesk is regulated by the ACPR in the EU.
What does Spendesk include?
It offers corporate cards, reimbursements, and invoice automation in one platform.
Is Spendesk SOC 2 certified?
Yes, Spendesk holds a SOC 2 Type II attestation.
Where is Spendesk data stored?
Data residency is in the EU and a GDPR DPA is provided.
Reviews are written and reviewed by Eduardo personally. They describe what a tool does and where it sits with data protection, but they do not constitute legal advice.